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Twenty-Fifth Annual Edition

March, 1912

LIFE INSURANCE

MANUAL

Application Agreements and Complete

Policy Forms of Seventy-Four

Life Insurance Companies

emium Rates (Participating and Nonparticipating), Letters Re
eserve Bases, Cash Values, Extended Periods, Loans and
?aid-up Values. Reserve Tables, Preceded with Net Premiums
by the American 3%, 372 % and 4%, on Ordinary Life; 10, 15
and 20-Premiums Life; 10,15 and 20-Year Endowment;
and on 20-Premiums (First-Year Term and 19 Pre-
miums) Life and 20-Premiums (First-Year Term and
19 Premiums) Endowment Policies, American 3%
and 31%; Modified Preliminary Term and Select
and Ultimate Reserve Values on Life Policies
Paid-up in 20 Years on the American 3%
and 372%; and also on 1, 5, 10, 15 and
20-Year Term Policies, American
3% and 3%2%; Compound Inter-

est Tables, Etc., Etc.

PUBLISHED BY

A. J. FLITCRAFT
609-615 Maple Avenue, Oak Park, III., U. S. A.

Copyright 1912, by A. J. Flitcraft

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* Aetna Life Jan. 1, 1901.... 1850-1901. American Cent..

Jan. 1. 1908. American Natl.. Mar. 05-June 07 June 30, 1907... Bankers, Neb... Bankers Reserve

Jan. 1, 1908. Berkshire Jan. 1. 1908. 1901-1908. Canada Life. Capitol Life.

Aug. 1, 1905. Central Life.

Jan. 1, 1908.. Citizens National Nov. 04-May 10 May 23, 1910.. Columbian Natl.

Sept. 1902..
Conn. General...

Jan. 1, 1901.
Conn. Mutual... April 1, 1882..
Continental L.&l

Feb. 1904
* Equitable, N. Y. Jan. 1, 1896.
Equitable, Iowa.

Oct. 21. 1907. Federal Life

July 1, 1902. Fidelity Mutual.

Jan. 1, 1901 * Franklin Life...

July 1, 1907. * Germania Great Western..

April, 1907 Hartford ..

Jan. 1, 1901 Home Life Jan. 1, 1908. fi 1901-1908.. Illinois

1903-1908. Jan. 1, 1908.. John Hancock...

Jan. 1, 1901. Kansas City.

*****

Jan. 1, 1910. Lincoln Natl...

Sept. 23, 1905.. Manhattan ..... Jan. 1, 1901. Manufacturers.. * Maryland Life...

Mass. Mutual.... Oct. 1, 1907 Jan. 01-Oct. 07. Meridian Life..

April 1, 1906. Metropolitan..

Jan. 1, 1901... Michigan Mutuall

Jan, 1, 1903 Michigan State

Aug. 28, 1907.. * Missouri State.. Jan. 1, 1906.. * Mutual Benefit.. Jan. 1, 1900. 1845–1900. Mutual Life..... Jan. 1, 1907. 1843-1907. National U.S.A.

Jan. 1, 1903.
National, Vt..... Jan. 1, 1901.
New Eng. Mut.. Jan. 1, 1908. 1901-1908.
• New York Life..

North American
N.American, N.J

Feb. 4, 1907
Northwest'n Mut Feb. 1, 1899..
Northwest'n Nat.

Sept. 1, 1906 * Pacific Mutual. Jan. 1, 1908.. 1901-1908.

Penn. Mutual.... May 1, 1902. 1901. May, 1902
PhiladelphiaLife

Oct. 1905.
Phenix Mutual. Jan. 1, 1901.
Pittsburg Life... 1903-1908.. Jan. 1, 1908.
Presbyterian. Jan. 1, 1903.. 1901-1903
Provident L.&T.

Jan. 1, 1903. Prudential....... Jan, 01-Aug. 07 Aug. 1, 1907....

Jan. 1850 1899-1908. Apr. 1899

Mar. 1905 87-02 Jan. 1, 1902. May 1887

Mar., 1897. Mar. 1897 1851-1901. Sept. 1851

Aug. 1847

Aug. 1905 1896-1908. Feb. 1896

Nov. 1904

Sept. 1902 1865-1901. Oct. 1865 1846-1882. Dec. 1846

Feb. 1904 1859-1900. July 1859 Feb., 67-Oct. 07 Feb. 1867 1900-1902. May 1900 1879-1901. Jan. 1879 1884-1905. July 1884

Joly 1860

Apr. 1907 1867-1901. Apr. 1867 1860-1901. May 1860 1899-1903. Oct. 1899 1862-1901. Dec. 1862 1895-1910. June 1895

Sept. 1905 1850-1901 Aug. 1850

Aug. 1887

July 1865 1851-1901. Aug. 1851 1897-1906. Jan. 1897

1867-1901. Jan. 1867 67-03

Nov, 1867

Aug. 1907 1892-1906. Dec. 1892

Apr. 1845

Feb. 1843 1868-1903. Aug. 1868 1850-1901. Feb. 1850 1843-1901. Dec. 1843

Apr. 1845
Jan. 1881

Feb. 1907 1858-1899. Nov. 1858 1901-1906. Sept. 1885 1868-1901 Jan. 1868 1847-1901. May 1847

Oct. 1905 1851-1901 May 1851

Jan, 1903 1759-1901. Jan. 1759 1865-1903. June 1865 1876-1901. Jan. 1876

* See official letters on other pages for additional information on reserve basis of the several companies; also the reserve basis of Canadian Companies.

1-19-1934

Companies Represented. Reserve Basis: Commenced Business,

3

TOTA

1) | I | 11ETA

Am. Am.
Am.
Am.

4% e Companies. | 3 per cent.? 3% per cent.

per

4 per cent. YVAIHD] DZ21 cent. cent.

4 per

Actuaries op Com

menced Business.

Security L. & Abo Mar. 12, 1902

Reliance Life...May 03-July, 09 July 1, 1909.
Reserve Loan Life

-Jan, 1, 1905.
Royal Union ... SAL... Oct. 1, 1907.1
Scandia Life,

.....

- May 1, 1905.. Security of Amer.

Oct. 1905. Security Mutual... Jan, 1, 1902 1901-1902.97 p4 South Auantic..

Jan. 1, 1902. Southern States L.

- May, 1906.

ཨ་མ་་་་་ * Southern States M

May 1, 1906. * State Life.. an, 1, 1901.

State Mutual. Jan. 1, 1908. (1901-1908.
Sun Life.
Travelers.com

Jan, 1, 1900.
Union Central..

Pan, 1, 1901...
Union Mutual Jan. 1, 1901
U.S. Annuity&L

Jan. 1, 1908.. 1 United States.

Jan. 1, 1901.
Volunteer State.....
West Coast Life..

April 2, 1906.

do May 1903 1897-1905. Mar. 1897 Mar. 86-Oct.07 Mar, 1886

May 1905

Mar. 1902 Jan. 1. 1903. Sept. 1901

1887-1901.101 Jan. 1887 1900-1902... May 1900

May 1906

May 1906 1894-1901.01. Sept. 1894 1845-1901.. June 1845

May 1871 1866-1900. July 1866 1867-1901. Mar, 1867 J1849-1901. Oct. 1849 1906-1908. Feb. 1906 1850-1901.. Mar. 1850 Nov. 3, 1903 ... Nov. 1903 *********21113

April 1906

KEY TO READY REFERENCE.

The Life Insurance Manual is a book of comparisons. When comparing policies of different companies, it is better to have no other subject matter intervening. This is also the case when comparing premium rates, cash values, extended insurance, loans, paid-up values, etc. A suggestion '

as to arrangement will aid in the use of the Manual without the necessity of referring to the very complete index in the latter part of the book. First, policy forms alphabetically arranged as to companies (pages 4-474); second, premium rates (pages 475-608); third, Letters Re Reserve Bases (pages 609-625), after which the alphabetical arrangement is: C-Cash values, alphabetically as to companies. 626- 755 E-Extended Insurance,

756- 895 L-Loans,

896- 914 P-Paid-up Insurance,

915-1048 R--Reserve values, American 3 per cent.

1056-1082

1083-1109 4

1110-1125

312 "

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